State or Federal Health Exchange

January 1, 2014 was the introduction of the Individual Health Exchange. Every state had a choice to either start their own private Exchange or utilize the Federal Government exchange.

A person has a choice of deciding to enroll either ON the Exchange or OFF the exchange. Most states offer you the choice. The main advantage of enrolling on the Exchange is you may qualify for a subsidy. Subsidies are not offered OFF the exchange.

Types of plans offered are labeled by the following Medal plans: PLATINUM, GOLD, SILVER, BRONZE, or CATOSTROPHIC